The Lending People personal loan

Apply for a personal loan of up to $75,000 and get a decision within 60 seconds.

The Lending People finds you the right personal loan by matching your profile to the lending criteria of its loan partners.

You can borrow from $2,000 to $75,000 with an interest rate determined by your financial situation and have up to 7 years to repay.

The entire loan process is online and you can receive conditional approval in just 60 seconds.

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6.99% - 26.95%

Interest Rate (p.a.)


Max. Loan Amount


Minimum Credit Score


Product NameThe Lending People Personal Loan
Interest Rate (p.a.)6.99% - 26.95%
Min. Loan Amount$2,000
Max. Loan Amount$75,000
Loan Term1 to 7 years
Turnaround TimeVaries with lender
More Info

Pros and cons


  • Decisions in 60 seconds
  • Borrow up to $75,000 with up to 7 years to repay
  • 100% online process
  • Track your application process from your phone
  • Interest rates start at 6.99% p.a.


  • Your interest rate could be as high as 26.95% p.a.
  • A broker fee applies
  • Loan fees vary between lenders
  • Early repayment fees

Main points to consider with a personal loan from The Lending People

The Lending People acts as a broker that matches your profile with one of its lending partners.

Lenders include Unity, Avanti Finance, Financial Holdings, Gem Finance and Geneva Finance.

Using a broker saves you time and removes the need for multiple applications to find the best loan for your circumstances. However, The Lending People charges a broker fee for the service.

Features and benefits of a loan from The Lending People

  • Get the best loan for your situation. By connecting with a range of lenders, The Lending People can secure the right loan based on your individual circumstances.
  • Interest rates. Interest rates range from 6.99% - 26.95% p.a., and the rate that you get is based on your creditworthiness. Interest rates are fixed for the term of the the loan.
  • Loan terms. Loan terms are between one year and seven years, but it’s possible to get a term of up to nine years for loans secured by a property.
  • Borrowing amount. You can apply to borrow between $2,000 and $75,000 for a secured personal loan, car purchase or to consolidate debt. Unsecured loans have a maximum of $50,000.
  • Fast decisions. Once you submit your application, you’ll receive an answer within 60 seconds.

How much does the loan cost?

The Lending People uses different lenders to find the right loan for you so the fees you will pay are dependent on what the lender that will supply you with the loan will charge.

Fees can include an establishment fee, monthly account maintenance fees, direct debit fees and security fees. If you decide to repay your loan before the end of the loan term, an early repayment fee will apply.

You’ll also need to factor in a broker fee of between $195 and $995 based on the loan type, amount and how complex your application is.

How to apply for a loan from The Lending People

Before applying for a loan from The Lending People, check that you meet the eligibility requirements and understand the interest rates and fees that may be applicable to your loan.

Eligibility requirements

  • Be 18 years of age or older
  • Be a New Zealand citizen or permanent resident
  • Be in full-time or part-time employment, or self employed
  • Earn at least $500 per week
  • Not currently bankrupt or in financial hardship

Information and documentation

You will need to supply the following with your application:

  • A New Zealand driver’s licence or passport
  • A recent payslip
  • Bank statements for the last 90 days
  • Proof of address

If you are taking out a loan to purchase a vehicle, you will need to supply details such as the make, model, license plate number and year.

If you are applying for a loan to consolidate your debts, you will need settlement statements for each loan, store card or credit card.

You’ll be notified of a decision in 60 seconds. If further assessment is required, you will receive an answer within 60 minutes.

Bottom line

With a personal loan from The Lending People you can borrow between $2,000 and $75,000 with loan terms from 1 to 7 years. Highlights include a 100% online application process, assessment of your application in under 60 seconds, and competitive personalised interest rates.

Compare personal loans

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
Harmoney Unsecured Personal Loan
6.99% - 19.99%
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Eligibility: Be an NZ resident/citizen and have a good credit score.
Apply for an unsecured personal loan up to $70,000 with no early repayment fees.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 17.75%
6 months to 5 years
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
6.45% - 19.30%
2, 3 or 5 years
$350 - $650 depending on the amount borrowed
Eligibility: Be an NZ resident/citizen and have a good credit score.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
Nectar Unsecured Personal Loan
8.95% - 29.95%
6 months to 4 years
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online.
Save My Bacon Unsecured Flex Loan
12 to 36 months
Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
Medium-term unsecured loans from $2,000 to $5,000 with no hidden fees.

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